RBS (One Account) Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers such as AmTrust. It is a unique risk mitigation tool.

This software is the only way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on RBS (One Account)’s changes. Notwithstanding that using this technology is not a prerequisite for RBS (One Account) , demonstrating you can remain up to date with RBS (One Account)’s Handbook requirements is an excellent support to your panel application and, more importantly, protect your firm’s panel standing.

The software creates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, results in reduced PII premiums.

Find a Law Firm approved by RBS (One Account)

Banks and building societies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 324 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.4 days. In total, 54% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,

Book a Personalised Demo

Recent Changes Include

# Date Assoc. Changes Related To
5.7.1b 02/12/2016 CML
Freehold Flats
The Royal Bank of Scotland plc One Account panel lawyers clarification as to whether they lend on freehold flats
Flying Freehold Indemnity Insurance
6.7.1 23/08/2016 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
5.19.1 19/07/2016 CML
Shared Ownership and Shared Equity
Contact details at The Royal Bank of Scotland plc One Account for approved lawyers for lending on affordable housing, shared equity and shared ownership and where relevant The Royal Bank of Scotland plc One Account requirements.
10.2b 05/07/2016 CML
Mortgage Advance and Certificate of Title
What is the minimum number of days notice The Royal Bank of Scotland plc One Account require ahead of sending the mortgage advance?
6.7.1 25/08/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
3.1.4 01/12/2014 CML
details of the seller's solicitors or licensed conveyancers
3.1.6 01/12/2014 CML
verification of identity
5.5.1b 01/12/2014 CML
conveyancing requirements in terms of time for building regulation consents
6.14.1a 01/12/2014 CML
contact point if property is not insured in accordance with lender requirement
6.14.3 01/12/2014 CML
notification of non-renewal/cancellation for buildings insurance policy

Last update 12/07/2019

RBS (One Account) Conveyancing Panel Sample Enquires to our Call Center from members of the public

My fiance and I are purchasing a 1 bedroom flat in Newcastle with a mortgage from RBS (One Account). We like our solicitor but RBS (One Account) says he's not on their "panel". We have to appoint one of the RBS (One Account) panel firms or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the RBS (One Account) conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for RBS (One Account)
I am purchasing a newly constructed apartment and my solicitor is informing me that she has to reveal incentives from the builder as her practice is on the RBS (One Account) conveyancing panel. I am under pressure to exchange contracts and I would rather not prolong the conveyancing. is my lawyer taking the correct approach?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the RBS (One Account) approved panel is to comply with the CML Handbook requirements (last updated for this lender on RBS (One Account)). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I am purchasing a property and require a conveyancing solicitor in London who is on the RBS (One Account) conveyancing. Could you point me in the right direction as regards a conveyancing firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for RBS (One Account) . We don’t recommend any particular firm.
I am trying to get my ex-wife taken off the mortgage deeds. Can RBS (One Account) really tell me which solicitor I can or can not instruct?
You can use any solicitor you like but RBS (One Account) then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the RBS (One Account) solicitors panel
I have paid off my mortgage with RBS (One Account). I assume I don't need a solicitor on the RBS (One Account) panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your RBS (One Account) mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the RBS (One Account) mortgage from the register. RBS (One Account),and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the RBS (One Account) has sent the Land Registry the discharge electronically, and the RBS (One Account) has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your RBS (One Account) mortgage has been paid off.
Can I register a complaint to RBS (One Account) about the lawyers being on the RBS (One Account) conveyancing panel?
There is little point in complaining directly to RBS (One Account). Every solicitor firm and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is addressed by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

I had an offer accepted on a property on the 5th February 2014, valuation was booked five days after, received a clean bill of health. Property lawyer instructed, so all that was missing was my mortgage offer. Having made daily calls to RBS (One Account) and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the RBS (One Account) conveyancing panel. Are RBS (One Account) entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for RBS (One Account) to deal with your lawyers application to be on the RBS (One Account) conveyancing panel. There's no guarantee that your solicitors will be accepted.